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  • Skip-A-Pay

Skip Your Loan Payment

Life happens when you're making plans. When unexpected expenses arise, give your budget a little breathing room and take advantage of Skip-A-Pay. For a fee of $25, Georgia United gives you the option to defer your payment on eligible* loans and credit cards and put your money towards what you need most.

Step One

Verify your loan is eligible

Skip-A-Pay is available for all loans except:  Home Loans, Home Equity Lines of Credit, Personal Lines of Credit, business loans, CURE loans, Indirect Auto Loans, Lender Protection Program loans, student loans and past-due loans.


Submit an application

The easiest way to apply is through Online Banking. Login and select the 'Services' tab. In the drop-down menu, select 'Skip-A-Pay' and fill out the application form.

You can also apply by contacting us at 888.493.4328 or by downloading the Skip-A-Pay Application form.

Approved applications are subject to a $25 service fee per payment skipped, which will be deducted from your Georgia United checking or savings account.

Frequently Asked Questions

How often can I skip my payment?

You can skip your eligible loan anytime during the year; however, loans can only be skipped twice within a 12 month period. You may not skip two consecutive months.

If I have automatic payments set up, will I need to cancel these?

Yes. Once you are approved to skip your payment, you will also need to cancel or postpone any automatic payments to your loan for that month. 

How soon do I need to apply before my payment is due?

The application must be received at least one week prior to your due date.

*All Skip-A-Pay requests are subject to Georgia United approval. Interest and finance charges will continue to accrue. Deferring your payment will extend the term of your loan(s), and at the end of the loan(s), a higher total finance charge will be paid than if payments had been made as originally scheduled. Your payment(s) will resume the following month. To be eligible, your account must be in good standing with a $5 minimum balance and have no charged off accounts. Offer valid for the following personal loan products: credit cards, personal loans and vehicle loans (excluding CURE, Indirect and Lender Protection Auto Loans) that are current and open for more than 90 days. You may complete two skips per rolling 12-month period; however, you may not skip two consecutive months. This offer may be used for one of the following options: one monthly loan payment, two consecutive bi-weekly payments or four consecutive weekly loan payments. The application must be received at least one week prior to your due date. If you elected GAP coverage on your loan, coverage may not be extended beyond the original maturity date. It is your responsibility to cancel any scheduled payments from other financial institutions.